Republic Bancorp, Inc.

Republic Bancorp, Inc.

RBCAA
Republic Bancorp, Inc.US flagNASDAQ Global Select
91.28
USD
+0.45
- -
1.60BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.45
7.3
8.06
10
12.09
13.6
14.2
14.98
14.72
15.41
17.9
19.29
20.82
20.05
Basic EPS, GAAP
1.22
1.38
1.69
2.19
2.18
3.71
4.36
3.96
4.24
4.55
4.57
5.16
6.65
6.41
Free Cash Flow per Basic Share
0.83
0.91
2.14
1.94
3.13
5.22
4.39
3.42
4.57
7.55
5.14
7.29
8.16
7.18
Dividend per Share
0.67
0.72
0.76
0.8
0.84
0.93
1.02
1.1
1.19
1.3
1.43
1.55
1.71
1.76
Book Value per Share
19.54
20.17
20.98
22.23
23.55
26.24
29.45
31.9
33.53
37.28
39.97
43.68
48.12
49.67
Tangible Book Value per Share
25.6
26.37
27.15
28.08
29.45
32.14
35.58
38.36
39.6
41.94
44.07
48.42
53.78
55.34
Basic Weighted Avg Shares
21
21
21
21
21
21
21
21
21
20
20
20
20
20
Sales/Revenue/Turnover
155
152
168
209
253
285
298
315
304
309
354
379
411
396
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
8
8
9
10
11
11
13
18
18
15
15
15
15
Net Income, GAAP
25
29
35
46
46
78
92
83
88
91
90
101
131
127
Effective Tax Rate (%)
37.22
35.04
33.95
33.44
41.79
17.41
18.99
18.89
21.38
22.03
20.17
20.62
20.75
21.42
Profit Margin (%)
16.4
18.96
20.92
21.92
18.04
27.32
30.73
26.42
28.79
29.51
25.51
26.75
31.94
31.98
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
646
749
741
844
779
851
828
321
65
133
416
432
538
398
Total Equity
543
559
577
604
632
690
764
823
835
857
913
992
1,102
1,133
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
6.32
6.97
8.21
10.17
9.53
14.94
15.69
12.9
12.84
12.65
11.75
12.29
14.52
13.5

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
375
506
366
LT Finance Leases
34
32
31
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
20
20
Market Capitalization
1,424
1,361
1,393

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,069
891
1,312
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.74%
6.07%
11.11%
Free Cash Flow
19.35%
22.44%
12.51%
Net Income, GAAP
15.93%
10.03%
29.54%
Sales/Revenue/Turnover
9.66%
5.65%
8.49%
Total Cash Common Dividend
7.91%
7.86%
10.97%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
119
85
87
88
379
2025
134
92
92
93
411
2026
119
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.56
1.28
1.35
0.97
5.16
2025
2.4
1.6
1.51
1.16
6.65
2026
2.15
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.4
0.4
0.4
1.55
2025
0.4
0.44
0.44
0.44
1.71
2026
0.44
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Steven E. Trager
Full Time Employees
981
Sector
Financial Services
Industry
Banks - Regional
Address
601 West Market Street Louisville KY United States of America 40202
IPO Date
Jul 22, 1998
Business
Republic Bancorp, Inc. (NASDAQ: RBCAA) is a bank holding company for Republic Bank & Trust Company, which provides a range of traditional and specialty banking products and services across multiple segments including Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions; deposit products comprise savings accounts, checking accounts, money market accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs); loan offerings encompass residential mortgage loans, home equity loans and lines of credit, commercial real estate loans, commercial and industrial (C&I) loans, business loans and lines of credit, consumer loans, equipment leasing through Republic Bank Finance, warehouse lines of credit for independent mortgage bankers, refund advance loans and refund transfers via Republic Processing Group, and lines-of-credit products. Republic Bank & Trust Company operates 47 full-service banking centers in five metropolitan statistical areas across five states—Louisville and Lexington in Kentucky; Cincinnati in Ohio and Northern Kentucky; Tampa in Florida; and Nashville in Tennessee—plus a loan production office in St. Louis, Missouri, with nationwide reach in specialty lines such as warehouse lending, equipment finance, and tax refund solutions targeting tax preparers, homeowners, businesses, and mortgage originators. Founded in 1982 and headquartered at 601 West Market Street in Louisville, Kentucky, the company manages total assets of approximately $7.0 billion as of September 30, 2025. In recent developments, Republic Bancorp completed the acquisition of CBank and its subsidiary Commercial Industrial Finance, Inc. (CIF) in March 2023 for approximately $51 million, rebranding CIF as Republic Bank Finance to expand national equipment leasing and financing capabilities; the company launched a new branding campaign and marketing partnership with BUNTIN in 2025 to elevate its identity and support expansion in key markets; it reported a 12% increase in third-quarter 2025 net income to stronger profitability with net interest margin expansion to 4.65%, driven by core banking growth and disciplined pricing; additionally, in 2024 the Traditional Banking segment ceased new consumer credit card originations, planning to wind down the existing portfolio in 2025, while earning accolades including Bank Director's Top 25 U.S. public banks and Raymond James Community Bankers Cup.

Company News

APIChatGPT
  • Republic Bancorp, Inc. Declares Common Stock Dividends

  • Republic Bank Expands Online and Mobile Banking Access to Clients Without SSNs or TINs

  • Republic Bancorp, Inc. Earns Raymond James Community Banker's Cup Honor for the Second Consecutive Year

  • Republic Bancorp, Inc. Declares Common Stock Dividends

  • Republic Bancorp Reports Solid First Quarter Results Highlighted by Strong Core Bank Net Interest Income Expansion

  • JPMorgan Chase & Co. Buys 8,037 Shares of Republic Bancorp, Inc. $RBCAA

  • Republic Bank Appoints Frank Vitarelli as Florida Market President

  • Republic Bank Earns Top 25 Community Bank Recognition from S&P Global Market Intelligence

  • Republic Bank Announces Executive Promotions to Propel Innovation

  • Republic Bank Announces New Inclusion and Diversity Lead in Human Resources

  • GrandSouth Bancorporation (OTCMKTS:GRRB) and Republic Bancorp (NASDAQ:RBCAA) Head to Head Review

  • Reviewing Republic Bancorp (NASDAQ:RBCAA) and Madison County Financial (OTCMKTS:MCBK)

  • Republic Bancorp, Inc. (NASDAQ:RBCAA) Short Interest Update

  • Republic Bancorp (RBCAA) Q4 Earnings Miss Estimates

  • Republic Bancorp Reports a 20% Increase in Fourth Quarter Net Income and Record Net Income for the Year

  • Republic Bank Announces New Chief Investment Officer

  • Republic Bancorp, Inc. Increases its Common Stock Cash Dividends Paid for the 28th Consecutive Year

  • Comparing Republic Bancorp (NASDAQ:RBCAA) and Citizens Bancshares (OTCMKTS:CZBS)

  • Republic Bank Announces New Managing Director of Retail Banking

  • Robert W. Etherington Joins Republic Bank as Senior Vice President, Market Manager for Butler, Warren, and Clermont Counties